HOMEOWNERS INSURANCE FOR THE WAY YOUR CUSTOMERS LIVE

HOMEOWNERS INSURANCE FOR THE WAY YOUR CUSTOMERS LIVE Kemper Independence Insurance Company Unitrin Auto and Home Insurance Company THEIR HOME IS THEIR BIGGEST INVESTMENT. KEMPER WILL HELP YOUR AGENCY MAKE SURE IT S FULLY PROTECTED. WE PROVIDE A NUMBER OF INNOVATIVE OPTIONS SO YOU CAN DESIGN THE PERFECT COVERAGE TO MEET YOUR CUSTOMER S NEEDS. RETURN TO LIST OF STATES WHAT'S NEW? Updated Underwriting Guidelines Discounts Coverages Assignment EDITION DATE: New Business: 12/29/2015 Renewal Business: 12/29/2015 1 Kemper Independence Insurance Company, California

TABLE OF CONTENTS / RAPID REFERENCE Topic Page # Topic Page # Underwriting Guidelines 3 4 Loss of Use - Increased Limits 24 Authority Binding 7 Ordinance or Law 25 Retention Agency 8 Other Structures 26 Summary Product 9 Rental to Others Theft Coverage 27 Homeowners Policy Features 10 Replacement Cost Dwelling 27 Condo Owners Policy Features 11 Water Back Up 28 Tenant Policy Features 12 Blanket Valuable Items 29 30 Special Homeowners Endorsement 13 Business erty - Increased Limits 31 Deductibles: All Other Perils 14 Credit Card, Fund Transfer 31 Discounts 15 Identity Fraud 31 Additional Insured 16 Increased Limits - Personal erty 32 Changes or Cancellation 16 Increased Special Limits - Personal erty 33-35 Construction Definitions 16 Refrigerated erty 34 Manual Premium Revision 16 Replacement Cost Coverage - Personal erty 34 Policy Period 16 Special Computer Coverage 34 Protection Classifications 17 Personal erty - Scheduled 35 Single Building Definition 17 Agreed Value 35 Secondary Residence 17 Special Personal erty Coverage 36 Town House or Row House 18 Other Exposures - Personal Liability Increased Limits 37 Whole Dollar Premium 18 Other Exposures - Medical Payments 37 Payment Plans and Fees 19 Personal Injury 37 Additional Options Table 20 Workers Compensation 37 Building Additions and Alterations HO 04 21 Incidental Farming 38 22 Permitted Incidental Occupancies 39 HO 00 06 Unit-Owners Coverage A 22 Business Pursuits 39 HO 00 06 Unit-Owners Coverage A Increased Limits 22 Additional Residence Additional Residence Rented to Others HO 00 06 Unit-Owners Special Coverage 22 Golf Cart Coverage 40 HO 00 06 Units Regularly Rented to Others 22 State Specific Amendatory Endorsements 41 Limited Mold 23 Assignment 42 53 Loss Assessment 24 Endorsement Index by Form Number 54 55 40 Kemper Independence Insurance Company, California 2

UNDERWRITING GUIDELINES The following guidelines shall be applicable to both new and renewal policies, except where a guideline makes reference to prior to binding, which indicates that it shall be applicable to new business only. ADMINISTRATIVE RULES The full name of the underwriting company must appear on all applications, binders and similar forms that will be used to insure the risk, prior to the time the applicable forms reach the applicant. All new business applications and required forms must be signed by the applicant and producer. All required original applications, forms, reports and questionnaires must be filed and retained within the issuing agent s files as is required through your Kemper Agency Security Agreement and governing state laws. Binders should never exceed 10 days. CLUE reports are required for rating, binding and placement of all new business submissions, rewrites, in-office transfers and location changes. All associated loss activity, including any occurrences with $0 paid (unless an inquiry ) must be properly reported and rated in the application and submission. This includes loss experience on prior, current and newly acquired premises locations. Risks with open/unresolved claims may not be bound or issued without prior underwriting approval. Coverage A value must be written to 100% of the current replacement cost. The minimum statewide cost per square footage is $100; this minimum applies to new business and renewals. The company sponsored Replacement Cost Estimator is required for all property submissions. Proof of retrofitting is required under certain circumstances, whether or not earthquake coverage is requested. See Underwriting Guidelines for requirements. The company may request inspection to verify rating characteristics, condition and hazards. Risks with base Coverage A value over $900,000 and/or Scheduled Personal erty class values over $200,000 must have Central Station Alarms. Each property risk is evaluated on several property risk characteristics in order to determine whether a property inspection shall be ordered. The Company employs a multivariate inspection-ordering model. All property risks are equally subject to this model. ELIGIBLE RISKS Single family structures and duplexes with one owner-occupied unit are eligible for coverage. Structures with three units or more are not eligible. Those built prior to 1920 must be referred to Underwriting prior to binding. Risks located in Protection Class 1 through 7. Risks located in Protection Class 8, 8A, 8B, 9 and 10 must be referred to Underwriting prior to binding. Dwelling must be free from wildfire vulnerability. Refer to Wildfire Rule. Risks with incidental commercial or hobby exposures must be referred to Underwriting prior to binding. Risks located on more than 5 acres of land must be referred to Underwriting prior to binding. Risks with livestock must be referred to Underwriting prior to binding. Risks with business conducted on premises for permitted occupancies only. See Home Business Rules for list of eligible classes of business. The writing of any new coverage or increases in existing coverage is prohibited for a period of 30 days following an earthquake of 5.0 or greater on the Richter scale, or a volcanic eruption. This applies in accordance with the distance rules listed under Binding Authority. The binding of any new coverage, or increases to existing coverage, is prohibited for any and all risks within a 5-mile radius of an existing conflagration or active fire line. A homeowner policy may be issued for a home under the Course of Construction for the fully completed value, may be issued for a qualifying insured provided the occupancy is within 180 days. Owner-builder and owner-as-general contractor risks are not eligible. Refer to Underwriting prior to binding. 3 Kemper Independence Insurance Company, California

Manufactured homes must be less than 10 years old. Construction with prefabricated parts is acceptable provided all major work, including wiring and plumbing, is performed by the manufacturer or by licensed contractors. Must have permanent foundation. Must complete Modular Home Worksheet prior to binding. Wood burning stoves and solar heating systems eligible if not primary source of heating. Systems must be professionally installed and inspected. Wood Burning Stove Questionnaire must be completed prior to binding. Roofs more than 25 years old are not eligible unless tile or metal or determined by inspection to be in sound condition. Roofs of any age and type, in poor or deteriorating condition, or with any incidence of unrepaired damage including wood splitting, curling, significant granule loss, or surface perforating or fracture are not eligible. Flat roofs (less than 2/12 pitch) or roofs of unique or unusual construction or material are not eligible. Overlaid roof surfacing not eligible. Dwelling and all functional systems (e.g., plumbing, heating, electrical, roof) must be in good and sound working condition, and free of any unrepaired damage, defects or uncorrected building /safety code violations. Plumbing must have copper or PVC water supply lines and be in sound functional condition for coverage eligibility. Fixtures, outlets, hoses, etc must also be in sound functional condition. Heating thermostatically controlled central heating system is required. Must be in sound, proper and functional condition. Units in service more than 20 years may require professional inspection to certify. Risks where a wood stove or other alternative energy source is primary source of heat are not eligible. Electrical Full service supply to the breaker box with a minimum of 100 amps. Risks with any type or amount of fuses, knob-and-tube wiring or aluminum wiring are not eligible. Eligible policy rewrites and new lines of insurance added to existing lines are subject to new business underwriting guidelines as stated. Any policy which has been non-renewed or cancelled by Kemper is ineligible to be rewritten. Eligible policy rewrites: o Package to Monoline o Monoline to Package o Home Change in Policy Form o New Insured Location o Change in effective date UNACCEPTABLE RISKS The following risks are ineligible for coverage: Risks with losses involving insured negligence or carelessness. Risks with unrepaired, unresolved or unmitigated damage.. Risks with an increased risk of loss hazard (no railing on deck, debris on premises, cracked/uneven sidewalk, no chimney spark arrestor, etc). Vacant dwellings Risks with pets characterized by aggressive behavior are not eligible for coverage, such as but not limited to these breeds of dogs: Rottweiler, Pit Bull, Akita, American Staffordshire Terrier, Chow, English Bull, Terrier, Bull Terrier, and any Wolf Hybrids, or mixes containing these breeds. Presence of dogs of any breed, or any other animals of various types with bite or attack history. Individuals subject to high public profile and/or increased hazard exposure Risks with unfenced pools, and those not fenced to locate building code Risks located on, or immediately adjacent to, a slope of 25-degrees or more Risks with primary commercial and/or ranching activities Risks with more than 2 personal-use horses Dwellings of unique or unusual construction (including but not limited to log homes, domes, historical structures, earthen homes etc.) Dwellings built on or immediately adjacent to structurally unstable soils/landfill Risks with trampolines (unless trampoline is in fenced backyard with safety netting and protective padding on the hooks and springs) Mobile homes Risks with Exterior Insulation & Finishing Systems (EIFS), also known as synthetic stucco Kemper Independence Insurance Company, California 4

PROTECTION CLASS UPGRADE PROGRAM Available for: NAPA COUNTY in the following zip codes Calistoga: 94515 St. Helena: 94574 Yountville: 94599 Oakville: 94562 Rutherford: 94573 Napa: 94558, 94559 SONOMA COUNTY in the following zip codes Geyserville: 95441 Healdsburg: 94558 Windsor: 94592 Fulton: 95439 Santa Rosa: 95401, 95403, 95405, 95407, 95409 Rohnert Park: 94528 Penngrove: 94951 Petaluma: 94952, 94954, 94999 Kenwood: 95452 Glen Ellen: 95442 Eldridge: 95431 Boyes Hot Springs: 95416 Sonoma: 95476 The Protection Class Upgrade Program applies to any one or two-family primary residence classified by ISO as Protection Class 8 or 9 that meets all of the following eligibility criteria: Dwelling is located within a populated area and is within 5 road miles and 10 minutes travel time of the primary responding fire department. Dwelling is fully accessible by a paved road (including the driveway) under weather conditions including consideration for routes with load limits on bridges and entrance gate widths. Dwelling must have a code-certified water source with year-round availability in the form of: A functioning fire hydrant, tank, pool, lake or pond with proper fire equipment connection devices, located within 1,000 feet of the dwelling OR The responding fire department must have tanker and pumper truck(s) with 1,500 gallons or more water supply, which can deliver 150-200 gpm continuously for at least 20 minutes (4,000 gallons), including all sources and mutual aid agreements. Dwelling structure must be visible to adjoining neighbors. Dwelling must have a non-combustible, fire resistant roof. Dwellings with wood shake roofs and/or extensive wood decking are not eligible. Dwelling must be at least 1,000 feet from any brush hazard. Dwelling may not be built on, or immediately adjacent to, a slope of 25 degrees or more. Dwellings with Local or Central Station Fire Alarms are preferred erty must have less than 5 acres erty may not have primary or incidental commercial or farming activities. erty may not be available for use by livestock. Clients with incidental vineyard farming activities, that potentially involve liability and/or work comp exposures, must be pre-qualified with underwriting. Any dwelling meeting each of these requirements shall be rated the same Protection Class as the responding fire department. Note: The protection class of the responding fire department must be entered on the application using a Y in the Protection class Upgrade Field to ensure that the dwelling is rated in the Protection Class Upgrade Program. 5 Kemper Independence Insurance Company, California

WILDFIRE VULNERABILITY If the property is located within a Kemper designated wildfire vulnerable review area, the risk is subject to underwriting review and action. This underwriting review may result in cancellation of the policy. The company may designate a risk wildfire vulnerable after taking into consideration the additional factors below: Past fire perimeters and possible repeat pattern areas ISO designated brush zones in the following counties: Los Angeles, Orange, Riverside, San Bernardino, Santa Barbara, and Ventura CDS Brush Mapping, LLC designated wildfire zones Elevation / slope Prevailing wind direction and acute wind speed and direction from predictive events Wildfire fuel as evidenced from inspection, alternative mapping data or photographs Relative proximity of the risk with respects to the above which increases the potential of a loss by wildfire Known or predictive negatives of inadequacies in fire agency response times and/or equipment The individual risk s construction type and/or clearance which may further vulnerability to wildfire The company maintains the right to administer concentration of risks in and around all wildfire vulnerable areas and may be subject to a wildfire surcharge. WOOD SHAKE ROOFS The following counties are ineligible for placement of homes with wood shake roofs due to extreme wildfire vulnerability: Calaveras, Del Norte, Inyo, Lake, Lassen, Los Angeles, Mariposa, Modoc, Mono, Nevada, Orange, Plumas, Riverside, San Bernardino, San Diego, San Luis Obispo, Santa Barbara, Sierra, Trinity, Tuolumne and Ventura. Kemper Independence Insurance Company, California 6

BINDING AUTHORITY CONFLAGRATION, WILDFIRE OR FIRESTORM The binding of any new coverage, decreasing of deductibles or increases to existing coverage is prohibited for any and all risks within a 5-mile radius of an existing conflagration or active fire line with respects to any wildfire, firestorm, wildland fire, brush, range fire or forest fire. EARTHQUAKE OR VOLCANIC ERUPTION The binding of any new coverage, decreasing of deductibles or increases to existing coverage is prohibited for a period of 30 days following an earthquake of 5.0 or greater on the Richter scale or any volcanic eruption. This applies in accordance to the following distance rules: MAGNITUDE RADIUS 5.0 to 6.5 50 miles Over 6.5 to 7.0 100 miles Over 7.0 200 miles or Company announcement All Volcanic Eruptions 100 miles or Company announcement STORM WATCH OR WARNING Do not bind, issue or request issuance of policies when a tornado watch or warning has been announced by the Weather Bureau for the area. No new or additional property coverage is to be accepted after the Weather Bureau has declared a Tornado Watch or other storm warnings that forecast the probability that an abnormally severe storm will strike the area until the threat has passed and the warnings have been withdrawn. During this time deductibles cannot be reduced. For individual risk binding, please refer to your agency binding authority schedule 7 Kemper Independence Insurance Company, California

AGENCY DOCUMENTATION RETENTION REQUIREMENT FAX TO UNDERWRITING AND RETAIN IN AGENCY FILE RETAIN IN AGENCY FILE ACCEPTABLE DOCUMENTATION ACORD Application X Completed and signed application Square Footage Estimator X Replacement cost calculation and verification form Central Alarm Certificate X Central station alarm proof of purchase and installation Appraisal X Scheduled personal property appraisals Photo X Residency photo Replacement Cost Dwelling X Homes built prior to 1950 with Replacement Cost Dwelling coverage Older Home Questionnaire Updates Dwellings over 30 years X Proof of plumbing, electrical, roof and heating updated equipment Woodstove X Completed questionnaire and photo Questionnaire Dog Questionnaire X Completed questionnaire required prior to possible underwriting approval of an unacceptable breed Home Buyer Discount Note: Homes with a year of construction equal to the current or prior year are exempt from this documentation requirement X X Recent pre-sale home inspection Recent property appraisal Other official closing documents Note: Documentation must be retained as long as the coverage remains in force with the company, plus the additional statutory requirement for record retention after the policy is non-renewed or cancelled. All documentation must be made available to the company at the Underwriter s request. Kemper Independence Insurance Company, California 8

PRODUCT SUMMARY BASIC LIMITS OF LIABILITY AND COVERAGE RELATIONSHIPS The basic Limits of Liability required under the Homeowners are as follows: SECTION I - PROPERTY DAMAGE Coverage Description Amount A Dwelling Selected Coverage A limits should reflect the amount that will allow the customer to rebuild their existing dwelling. B Other Structures HO 00 03 1 or 2 Family Dwelling 10% of A C Personal erty HO 00 03 1 or 2 Family Dwelling 50% of A D Loss of Use HO 00 03 HO 00 04 HO 00 06 20% of A 20% of C 40% of C SECTION II - LIABILITY FORM E Personal Liability $100,000 Each Occurrence F Medical Payments to Others $1,000 Each Person DESCRIPTION OF COVERAGES The policy shall be consulted for exact contract conditions. SECTION I COVERAGE PROPERTY DAMAGE HO 00 03 HO 00 04 & HO 00 06 Fire or Lightning Coverage A, B, C & D Coverage C & D Windstorm or Hail, Explosion, Riot or Civil Commotion, Coverage A, B, C & D Coverage C & D Aircraft, Vehicles or Smoke Vandalism or Malicious Mischief Coverage A, B, C & D Coverage C & D Theft Coverage A, B, C & D Coverage C & D Volcanic Eruption Coverage A, B, C & D Coverage C & D Falling objects, Weight of ice snow or sleet, Accidental discharge of water or steam, Sudden and accidental tearing Coverage A, B, C & D Coverage C & D apart of a heating system or appliance, Freezing, Sudden accidental damage from electrical current Additional risks with certain exceptions (Special Coverage) Coverage A, B, & D No SECTION II COVERAGES - LIABILITY COVERAGE E PERSONAL LIABILITY Covers payment on behalf of any insured for all sums which the insured shall become legally obligated to pay as damages because of bodily injury or property damage arising out of an insured's premises or personal activities. COVERAGE F MEDICAL PAYMENTS TO OTHERS Covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of an insured's premises or personal activities. MANDATORY COVERAGES It is mandatory that insurance be written for all coverages provided under both Sections I and II of the Homeowners Policy. Note: Section II Coverage is not mandatory for the secondary residence policy if the same company insures the initial and secondary residence. 9 Kemper Independence Insurance Company, California

HOMEOWNERS (HO3) POLICY FEATURES Coverage Special Plus Classic Ultimate As a Monoline Policy Available Available Available Available As a Package Policy N/A Available Available Available Blanket erty Limit (BPL) N/A 200% of Cov A 200% of Cov A 200% of Cov A Dwelling Covered Perils Open Perils Open Perils Open Perils Open Perils Contents Covered Perils Named Perils Named Perils Open Perils Open Perils Special Personal erty (Open Perils on Contents) Available Available Included Included Replacement Cost Dwelling 150% of Cov A 150% of BPL 150% of BPL 150% of BPL Replacement Cost Contents Included Included Included Included Ordinance or Law 25% of Cov A 50% of Cov A 50% of Cov A 100% of Cov A Water Back Up Available up to Available up to $10,000 - Additional $15,000 - Additional $50,000 $50,000 up to $50,000 up to $50,000 Personal Injury Included Included Included Included Identity Fraud Subject to $250 Deductible $15,000 Available $15,000 Available $25,000 Included $50,000 Included Mortgage Extra Expense: Monthly Mortgage Exp N/A N/A N/A $12,000 Acquisition Costs N/A N/A N/A $2,000 Money $200 $200 $1,000 $1,000 Securities $1,000 $1,000 $5,000 $5,000 Watercraft $1,000 $1,000 $3,000 $3,000 Trailers $1,000 $1,000 $3,000 $3,000 Theft of Jewelry $3,000 $5,000 $5,000 $10,000 Per Item Limit $1,000 $1,000 $5,000 $10,000 Theft of Firearms $2,000 $2,000 $5,000 $5,000 Theft of Silverware $3,000 $5,000 $5,000 $10,000 Business erty: On Premises $2,500 $2,500 $5,000 $10,000 Off Premises $250 $250 $500 $5,000 Trees, Shrubs & Plants 5% of Cov A 5% of BPL 5% of BPL 5% of BPL Per Item Limit $500 $500 $500 $1,000 Credit Card $1,000 $5,000 $10,000 $10,000 Loss Assessment $1,000 $1,000 $10,000 $50,000 Fire Dept Service Charge $500 $500 $500 $1,000 Refrigerated erty Subject to $100 Deductible $500 $500 $500 $500 Lock Replacement N/A 50% of Cost up to 50% of Cost up to 50% of Cost up to $500 $500 $500 Agreed Amount Available Available Included Included Debris Removal (Other than Trees) Additional 5% if Applicable Limit Exhausted Reasonable Expense Reasonable Expense Additional 5% BPL if Limit Exhausted Tree Removal $500 $500 $500 $1,000 Per Item Limit $500 $500 $500 $500 Landlord s Furnishings $2,500 $2,500 $2,500 $5,000 Personal Data Recovery N/A N/A N/A $5,000 Land N/A N/A N/A 10% of BPL Reward Coverage N/A N/A 10% of Loss up to 10% of Loss up to $1,000 $1,000 Claim Expense $50 per day $50 per day $250 per day $250 per day Kemper Independence Insurance Company, California 10

CONDOMINIUM OWNER (HO6) POLICY FEATURES Coverage Basic Special Plus Classic Ultimate As a Monoline Policy Available Available Available Available Available As a Package Policy N/A N/A Available Available Available Blanket erty Limit (BPL) N/A N/A 160% of Cov C 160% of Cov C 160% of Cov C Dwelling Covered Perils Named Perils Named Perils Named Perils Open Perils Open Perils Contents Covered Perils Named Perils Named Perils Named Perils Open Perils Open Perils Special Personal erty (Open Perils on Contents) Available Available Available Included Included Replacement Cost Contents Available Included Included Included Included Ordinance or Law Water Back Up 10% of Cov A - Available up to 100% Available up to $25,000 10% of Cov A - Available up to 100% Available up to $25,000 10% of Cov A - Available up to 100% Available up to $25,000 10% of Cov A - Available up to 100% $10,000 - Avail up to $25,000 15% of Cov A - Available up to 100% $15,000 - Avail up to $25,000 Personal Injury Available Included Included Included Included Identity Fraud Subject to $250 Deductible $15,000 Available $15,000 Available $15,000 Available $25,000 Included $50,000 Included Mortgage Extra Expense: Monthly Mortgage Exp N/A N/A N/A N/A $12,000 Acquisition Costs N/A N/A N/A N/A $2,000 Money $200 $200 $200 $1,000 $1,000 Securities $1,000 $1,000 $1,000 $5,000 $5,000 Watercraft $1,000 $1,000 $1,000 $3,000 $3,000 Trailers $1,000 $1,000 $1,000 $3,000 $3,000 Theft of Jewelry $2,500 $3,000 $5,000 $5,000 $10,000 Per Item Limit $1,000 $1,000 $1,000 $5,000 $10,000 Theft of Firearms $2,000 $2,000 $2,000 $5,000 $5,000 Theft of Silverware $2,500 $3,000 $5,000 $5,000 $10,000 Business erty: On Premises $2,500 $2,500 $2,500 $5,000 $10,000 Off Premises $250 $250 $250 $500 $5,000 Trees, Shrubs & Plants 10% of Cov C 10% of Cov C 5% of BPL 5% of BPL 5% of BPL Per Item Limit $500 $500 $500 $500 $1,000 Credit Card $500 $1,000 $5,000 $10,000 $10,000 Loss Assessment $1,000 $1,000 $1,000 $10,000 $50,000 Fire Dept Service Charge $500 $500 $500 $500 $1,000 Refrigerated erty Subject to $100 Deductible Available $500 $500 $500 $500 Lock Replacement N/A N/A 50% of Cost up 50% of Cost up 50% of Cost up to $500 to $500 to $500 Agreed Amount Available Available Available Included Included Additional 5% if Additional 5% if Additional 5% Debris Removal Reasonable Reasonable Applicable Limit Applicable Limit BPL if Limit (Other than Trees) Expense Expense Exhausted Exhausted Exhausted Tree Removal $500 $500 $500 $500 $1,000 Per Item Limit $500 $500 $500 $500 $500 Personal Data Recovery N/A N/A N/A N/A $5,000 Land N/A N/A N/A N/A 10% of BPL Reward Coverage N/A N/A N/A 10% of Loss up 10% of Loss up to $1,000 to $1,000 Claim Expense $50 per day $50 per day $50 per day $250 per day $250 per day 11 Kemper Independence Insurance Company, California

TENANT (HO4) POLICY FEATURES Coverage Basic Special Plus As a Monoline Policy Available Available Available As a Package Policy N/A N/A Available Blanket erty Limit (BPL) N/A N/A 120% of Cov C Contents Covered Perils Named Perils Named Perils Named Perils Replacement Cost Contents Available Included Included Ordinance or Law 10% of Cov A - 100% 10% of Cov A - 100% 10% of Cov A - 100% Available Available Available Water Back Up Available up to $25,000 Available up to $25,000 Available up to $25,000 Personal Injury Available Included Included Identity Fraud Subject to $250 Deductible $15,000 Available $15,000 Available $15,000 Available Money $200 $200 $200 Securities $1,000 $1,000 $1,000 Watercraft $1,000 $1,000 $1,000 Trailers $1,000 $1,000 $1,000 Theft of Jewelry $2,500 $3,000 $5,000 Per Item Limit $1,000 $1,000 $1,000 Theft of Firearms $2,000 $2,000 $2,000 Theft of Silverware $2,500 $3,000 $5,000 Business erty: On Premises $2,500 $2,500 $2,500 Off Premises $250 $250 $250 Trees, Shrubs & Plants 10% of Cov C 10% of Cov C 5% of BPL Per Item Limit $500 $500 $500 Credit Card $500 $1,000 $5,000 Loss Assessment $1,000 $1,000 $1,000 Fire Dept Service Charge $500 $500 $500 Refrigerated erty Subject to $100 Deductible Available $500 $500 Lock Replacement N/A N/A 50% of Cost up to $500 Agreed Amount Available Available Available Debris Removal (Other than Trees) Additional 5% if Applicable Limit Exhausted Additional 5% if Applicable Limit Exhausted Reasonable Expense Tree Removal $500 $500 $500 Per Item Limit $500 $500 $500 Claim Expense $50 per day $50 per day $50 per day Kemper Independence Insurance Company, California 12

SPECIAL HOMEOWNERS ENDORSEMENT INCLUDED WITH ALL HO-3 POLICIES NOT APPLICIABLE TO PLUS, CLASSIC AND ULTIMATE Personal erty (Coverage C) Replacement Cost Coverage Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Refrigerated erty Personal erty - Special Limit of Liability Watercraft liability Coverage Personal Injury Liability Replacement Value may be substituted for Actual Cash Value for the following Section I - Coverage C - Unscheduled Personal erty Coverage. Coverage C is automatically elevated to 70% of Coverage A at no additional charge. This coverage does not apply to residences rented or leased to others. The limit of liability for Section l is increased by $500. Loss to contents of freezer and refrigerator units on the residence premises will be covered up to $500. The loss must be caused by change in temperature resulting from interruption of electrical service, caused by damage to generating or transmission lines or equipment; or, mechanical or electrical breakdown. A deductible of $100 applies. The special limit of liability under Section I - Coverage C - Personal erty are increased as follows: The special limit of liability for Jewelry, Watches and Furs is increased by $500; not to exceed $1,000 for any one article. The Special limit of liability for Silverware, Silver-plated ware, Gold-plated ware and Pewterware is increased by $500. Motors up to and including 50 horsepower. Attach: VS 2317: Special Homeowners Endorsement 13 Kemper Independence Insurance Company, California

DEDUCTIBLES ALL OTHER PERILS DEDUCTIBLES All Homeowners Policies are subject to a deductible applicable to loss from all Section I perils covered under the policy on an occurrence basis. When a separate deductible amount applies to a certain peril such as Windstorm or Hail, also enter that deductible amount and peril in the Deductible declaration of the policy. Base Deductible: $500 Optional Other Deductibles: $250*, $500, $750, $1,000, $2,000, $2,500, $5,000, $7,500, $10,000, $25,000 or $50,000 * Only available on renewal policies that currently carry this deductible Kemper Independence Insurance Company, California 14

DISCOUNTS The following discounts are offered in the Homeowners Program DISCOUNT AND ENDORSEMENT # REQUIREMENT % DISCOUN T Age of Dwelling A discount may apply based on the newness of the home. Up to 25% CA Home Inspection/ Home Purchase Discount A discount may apply for recently purchased homes Available on HO 3 and HO 6 policies only. Home must have been purchased within the current or prior year to initially qualify. Existing policyholders qualify only as part of a new dwelling purchase (currently insured dwellings ineligible) Credits will be reduced at each annual policy renewal Validation of year of construction and year of purchase is required. Refer to company Underwriting Guidelines for acceptable documentation requirements. Up to 10% Loss Free Loss Free three years immediately preceding the new business effective date 19% Mature Homeowner Named Insured age 60+. (Secondary and Seasonal dwelling policies 5% ineligible) PACKAGE PLUS When Homeowners is combined with Automobile 20% Blanket erty Limit with enhanced coverage (see Features Comparison) Account Credit When Homeowner policy is written with Automobile policy 15% Protective Devices HO 0416 Approved and properly maintained installations of burglar alarms, fire alarms, automatic sprinklers and smoke detectors in the dwelling The Smoke detector credit is not applicable if the Residence Safety Package Credit is applied. Type of Installation Percent Central Station Reporting Burglar Alarm 5% Central Station Reporting Fire Alarm 5% Police Station Reporting Burglar Alarm 3% Fire Department Reporting Fire Alarm 3% Local Burglar and/or Fire Alarm and/or Smoke Detectors 2% Automatic Sprinklers in all areas including attics, bathrooms, closets, and 13% attached structures Automatic Sprinklers in all areas except attic, bathroom, closets, and attached 8% structure areas that are protected by a fire detector Manned Security Residential Area for which normal entry and exit is limited to 5% access points which are manned by employed security guards- HO 00 03 Secured Building- HO 00 04 or HO 00 06 2% Secured Building with guard on duty 24 hours a day- HO 00 06 5% Residence Safety Smoke Detectors, Fire Extinguishers and Deadbolt Locks on all exterior doors 3% VK 1012 Superior Construction Non-combustible or Fire-resistive constructions 15% 15 Kemper Independence Insurance Company, California

ADDITIONAL INSURED HO 00 03 ONLY It is permissible to extend the Homeowners Policy, without additional premium charge, to cover the interest of a non-occupant joint owner in the building and for premises liability. Attach: VS 1146: Additional Insured CHANGES OR CANCELLATIONS Mandatory coverages cannot be canceled unless the entire policy is cancelled. If insurance is increased, cancelled or reduced, the additional return premium shall be computed on a pro rata basis. CREDIT FOR EXISTING INSURANCE PACKAGE ONLY To determine the credit for existing insurance: Develop the applicable full term homeowners premium based on the effective date of the policy. Calculate a pro rata factor based on the expiration date of the insured's existing Homeowners policy. Multiply the applicable full term homeowners premium by the pro rata factor. Attach: VK 1116: Existing Insurance CONSTRUCTION DEFINITIONS Frame - exterior wall of wood or other combustible construction, including wood iron-clad, stucco on wood or plaster on combustible supports. Aluminum, plastic or vinyl siding over frame. Masonry Veneer - exterior walls of combustible construction veneered with brick or stone. Masonry - exterior walls constructed of masonry materials such as adobe, brick, concrete, gypsum block, hollow concrete brick, stone, tile or similar materials and floors and roof of combustible construction (disregarding floors resting directly on the ground). Superior Construction Non-Combustible - exterior walls and floors and roof constructed of, and supported by metal, asbestos, gypsum, or other non-combustible materials. Masonry Non-Combustible - exterior walls constructed of masonry materials (as described above) and floors and roof of metal or other non-combustible materials. Fire Resistive - exterior walls and floors and roof constructed of masonry or other fire resistive materials. Note: Mixed (Masonry/Frame) - a combination of both frame and masonry construction shall be classed and coded as frame when the exterior walls of frame construction (including gables) exceed 33 1/3% of the total exterior wall area; otherwise class and code as masonry. MANUAL PREMIUM REVISION A manual premium revision shall be made in accordance with the following procedures: The effective date of such revision shall be announced. The revision shall apply to any policy or endorsement in the manner outlined in the announcement of the revision. Unless otherwise provided at the time of the announcement of the premium revision, the revision shall not affect in-force policy forms, endorsements or premiums, until the policy is renewed. POLICY PERIOD The policy may be written for a period of one year and may be continued for successive policy periods based upon the premiums, forms and endorsements then in effect for the company. Kemper Independence Insurance Company, California 16

PROTECTION CLASS CODES The Protection Class listings in the Public Protection Classification manual apply to risks insured under Homeowners policies. The protection class indicated applies in a municipality or classified area where a single class of fire protection is available throughout (8, 7, 6, etc.) In a classified area where two or more classifications are shown (e.g. 6/9), the classification is determined as follows: DISTANCE TO FIRE STATION CLASS 5 road miles or less with hydrant within 1,000 feet First protection class (e.g. 6/9, use Class 6) 5 road miles or less with hydrant beyond 1,000 feet 9 Over 5 road miles but within 10 road miles 10 All other properties 10 SINGLE BUILDING DEFINITION The following will be considered single buildings: Buildings, or sections of buildings, accessible through unprotected openings The following will be considered separate buildings: Buildings which are separated by space Buildings, or sections of buildings, which are separated by a 6 inch reinforced concrete or an 8 inch masonry party wall, which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the exterior wall. Buildings, or sections of buildings, which are separated by a documented minimum two-hour noncombustible wall which has been laboratory tested for independent structural integrity under fire conditions, which pierces or rises to the underside of the roof and which pierces or extends to the inner side of the exterior wall. Accessibility between buildings with independent walls or through masonry, party walls described above shall be protected by at least a Class A Fire Door installed in a masonry wall section. SECONDARY RESIDENCE PREMISES The company must insure the primary residence. Homeowners coverage on a secondary residence premises may be provided under a separate policy. Section II Coverage is not mandatory for the secondary residence policy when the same company insures the initial and secondary residence. A credit will apply to the Secondary Residence policy since Section II coverage is provided under the initial residence. Add the charge for Other Insured Locations Occupied by Insured to the policy covering the initial residence. 17 Kemper Independence Insurance Company, California

TOWN HOUSE OR ROW HOUSE ALL FORMS EXCEPT HO 00 04 AND HO 00 06 Coverage may be provided for an eligible 1 or 2 family dwelling which is part of a town house or row house. An eligible two family owner-occupied dwelling attached to a one family dwelling but not separated by a fire wall would be considered 3 individual family units within a fire division. Four 2 family dwellings not separated by a fire wall would be considered 8 individual family units. WHOLE DOLLAR PREMIUM Each premium shown on the policy and endorsements will be rounded to the nearest whole dollar. A premium of fifty cents ($.50) or more will be rounded to the next higher whole dollar. In the event of cancellation by the company, the return premium may be carried to the next higher whole dollar. Kemper Independence Insurance Company, California 18

PAYMENT PLANS PAPER BILLING One Pay Plan: 100% of premium due on policy effective date Quarterly Plan: 25% of premium due on policy effective date; remaining billed quarterly Monthly: 1 installment due on policy effective date; remaining billed monthly CHECKLESS (EFT) One Pay Plan: 100% of premium due on policy effective date Quarterly Plan: 25% of premium due on policy effective date; remaining withdrawn quarterly Monthly: 1 installment due on policy effective date; remaining withdrawn monthly BILLING FEES $6.00 Bill Fee per paper bill produced $1.00 Bill Fee for each recurring bill pay installment (Credit Card / EFT) $20.00 Late Fee $15.00 Reinstatement Fee $30.00 NSF Fee DOWN PAYMENTS Down Payments are required: 1) On every new business policy written in KIC or UAH where the payor is the Insured or Other and none of the conditions below exist. 2) Only on the side of a package policy where the side is a new business policy but the other side meets one of the conditions below. Down Payments are not required: 1) If the policy is a rewrite, which is defined by the Prior Carrier = Kemper (or one of the Unitrin Companies) 2) If the policy is an approved block transfer 3) If the policy is an intra-agency transfer 4) On a monoline homeowner policy if mortgagee is the payor 5) For the side of a policy with a CEC (Credit for Existing Coverage) as long as the CEC effective date is 30 days after the processing date. a. A CEC allows an agent to write a package with non concurrent effective dates for auto and home The following Down Payment rules will apply when utilizing RPW 6.0 for issuing policies: 1) Down payments greater than or equal to the Estimated Down Payment for each new business entry. 2) The minimum down payment amount will be based on the payment method and/or pay plan selected countrywide: a. If Recurring Payment Method = EFT or Visa/MasterCard and Pay Plan = Monthly, 1 month down is required for both annual and semi-annual policies. b. If Recurring Payment Method = Paper bill and Pay Plan = Monthly, 20% down payment is required for both annual and semi-annual policies. c. If Recurring Pay Plan = Quarterly, 25% down payment is required for EFT, Visa/MasterCard or Paper Bill recurring payment methods. d. If Recurring Pay Plan = Two Pay, 50% down payment is required for EFT, Visa/MasterCard or Paper Bill recurring payment methods. e. If Recurring Pay Plan = One Pay and Payor = Insured or Other, 100% down payment is required for EFT, Visa/MasterCard or Paper Bill recurring payment methods. f. If Payor = Mortgage, down payment is not required and is optional. 19 Kemper Independence Insurance Company, California

ADDITIONAL OPTIONAL COVERAGE AVAILABILITY BY FORM HO 00 03 X HO 00 04 X HO 00 06 COVERAGE Building Additions and Alterations Dwelling Under Construction X X X X X X Inflation Guard HO 00 06 Unit-Owners Increased Coverage A HO 00 06 Unit-Owners Rental to Others X X X Loss Assessment X X Mold, Fungi Increased Coverage X X X Ordinance or Law X X Other Structures Increased Limits Other Structures Rented to Others X X X Other Structures Off Premises X X Rental to Others - Theft Sinkhole Collapse X X X Water Back-up X X X Blanket Valuable Items X X X Collectibles X X X Business erty Increased Limit X X X Credit Card, Fund Transfer Card X X X Identity Fraud Included X X Replacement Cost Personal erty X X X Scheduled Personal erty X X X Scheduled Personal erty Agreed Value X X X Personal erty Other Residences X X X Increased Special Limits Personal erty X X X Refrigerated erty X X X Special Computer Coverage X X Special Personal erty X X X Additional Residence - Liability X X X Additional Residence Rented to Others - Liability X X X Business Pursuits - Liability X X Incidental Farming X X X Permitted Incidental Occupancies X X X Personal Injury X X X Residence Employees Kemper Independence Insurance Company, California 20

BUILDING ADDITIONS AND ALTERATIONS FORM HO 00 04 The limit of liability of 10% of Coverage C (10% of the Blanket erty Limit for PLUS) may be increased. Attach: HO 0451: Building Additions and Alterations Increased Limits 21 Kemper Independence Insurance Company, California

EARTHQUAKE COVERAGE Click Coverage Heading to access State Content. FORM HO 00 06 COVERAGE A This rule does not apply to PLUS, CLASSIC or ULTIMATE since the limit for Coverage A is included in the Blanket erty Limit and Coverage A is provided on a Special Coverage basis. If additional Coverage A is needed, increase the Blanket erty Limit. The Coverage A Limit of Liability provided in the policy is: 50% of the Limit of Liability for Coverage C during the first 90 days the policy is in effect, rounded up to the nearest hundred. (This does not apply to renewal or continuation of the policy.) 20% of the Limit of Liability for Coverage C after the first 90 days the policy is in effect, rounded up to the nearest hundred. This coverage is automatically included on all HO 00 06 policies. Attach: VK 1044: Unit-Owners Building Items FORM HO 00 06 COVERAGE A INCREASED LIMITS The basic limit may be increased. The premium is developed based on the additional limit of insurance. FORM HO 00 06 COVERAGE A SPECIAL COVERAGE The Section I Perils Insured Against may be broadened to cover additional risks of loss. This rule does not apply when Endorsement VS 2341 Special Personal erty Coverage - HO 00 06 is used. Attach: HO 1732: Unit-Owners Coverage A - Special Coverage FORM HO 00 06 UNITS REGULARLY RENTED TO OTHERS Not Applicable to PACKAGE There is no coverage for Coverage C - Personal erty and Section II Liability when the residence premises is regularly rented or held for rental to others. The policy may be endorsed, however, to provide such coverage, including theft. Attach: HO 1733: Unit-Owners Rental to Others Kemper Independence Insurance Company, California 22

LIMITED FUNGI, WET OR DRY ROT, OR BACTERIA The limits of liability apply to the total of all loss or costs payable under this endorsement, regardless of the number of "occurrences", the number of claims-made, or the number of locations insured under this endorsement and listed in this Schedule. The amount shown in the table below is the most we will pay for: The total of all loss payable under Section I erty Coverages caused by fungi wet or dry rot, or bacteria; or The cost to remove "fungi", wet or dry rot, or bacteria from property covered under Section I erty Coverages; or The cost to tear out and replace any part of the building or other covered property as needed to gain access to the "fungi", wet or dry rot, or bacteria; or The cost of testing of air or property to confirm the absence, presence or level of "fungi", wet or dry rot, or bacteria whether performed prior to, during or after removal, repair, restoration or replacement. The cost of such testing will be provided only to the extent that there is a reason to believe that there is the presence of "fungi", wet or dry rot, or bacteria. This endorsement applies to all policies. COVERAGE Section I erty Coverage Limit Of Liability for the Additional Coverage "Fungi", Wet Or Dry Rot, Or Bacteria when resulting from a Peril Insured Against Section II Coverage E Aggregate Sublimit of Liability for "Fungi", Wet Or Dry Rot, Or Bacteria when resulting from a Peril Insured Against LIMIT $10,000 $50,000 Attach: VS 1987: Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for Forms HO 00 06 without VS 2339, VS 2341, HO1732, VS 2306, VS 2307, VS 2308 and VS 2309 VS 1987: Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for all Form HO 00 04 policies VS 1988: Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for Form HO 00 03 without VS 2339, VS 2340, VS 2306, VS 2307, VS 2308 and VS 2309 VS 1989: Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for Form HO 00 03 with VS 2339, VS 2340, VS 2306, VS 2307, VS 2308 and VS 2309 VS 1989: Limited Fungi, Wet or Dry Rot, or Bacteria Coverage for Form HO 00 06 with VS 2341, HO 1732, VS 2306, VS 2307, VS 2308 and VS 2309 23 Kemper Independence Insurance Company, California

LOSS ASSESSMENT COVERAGE RESIDENCE PREMISES The policy automatically provides, at no additional charge, $1,000 ($50,000 for ULTIMATE and $10,000 for CLASSIC) of loss assessment coverage, excluding, for assessments relating to the residence premises. This limit may be increased. Attach: VS 2233: Loss Assessment Coverage ADDITIONAL LOCATIONS The policy may be endorsed to provide loss assessment coverage pertaining to additional locations. No more than 2 locations can be written in addition to the residence premises. Endorsement VS 2233 does not cover loss to property under Section I caused by. Attach: VS2333: Loss Assessment Coverage LOSS OF USE - INCREASED LIMIT Not Applicable to PLUS, CLASSIC or ULTIMATE (The total limit for Coverage D should be included in the Blanket erty Limit). The Limit of Liability for Coverage D may be increased. Kemper Independence Insurance Company, California 24

ORDINANCE OR LAW COVERAGE INCLUDED IN ALL HO-3 POLICIES The HO 00 03 policy provides up to 100% of the Coverage A limit of liability for policies with the ULTIMATE endorsement. Additional limits are available for SPECIAL, PLUS, and CLASSIC to pay for the increased costs necessary to comply with the enforcement of an ordinance or law. Form HO 00 04 provides up to 10% of the Buildings Additions and Alterations limit to pay for the increased costs necessary to comply with the enforcement of an ordinance or law. Coverage may be initially increased to 100% of the HO 00 04 Building Additions and Alterations limit. Form HO 00 06 provides 15% of Coverage A for ULTIMATE and 10% for all other coverage levels. Coverage may be increased up to 100% of Coverage A in 25% increments. Attach Endorsement VS 2236 Ordinance or Law Coverage, VS 1233 for PACKAGE PLUS 25 Kemper Independence Insurance Company, California

OTHER STRUCTURES The policy may be endorsed to provide increased limits of coverage on specific structures on the residence premises. This rule does not apply for PLUS, CLASSIC or ULTIMATE (one or two Family Residences). The total limit for Coverage B should be included in the Blanket erty Limit. Attach: HO 0448 Other Structures RENTED TO OTHERS - RESIDENCE PREMISES The policy may be endorsed to provide Section I and Section II coverage when a structure on the residence premises is rented to others for dwelling purposes. Attach: HO 0440 Structures Rented to Others - Residence Premises OFF-PREMISES STRUCTURES Under Form HO 00 03, the policy automatically provides Coverage B - Other Structures at 10% of Coverage A on a blanket basis to structures located on the residence premises. This blanket coverage may be endorsed to expand coverage to include structures located away from the residence premises if used in connection with the residence premises. Attach: HO 0491: Coverage B - Off Premises or VS 1161: Coverage B - Off Premises - PLUS, CLASSIC or ULTIMATE Under all forms, coverage may also be provided on a specific structure located away from the residence premises. Attach: HO 0492: Specific Structures Away From Residence Premises Kemper Independence Insurance Company, California 26

RENTAL TO OTHERS - THEFT COVERAGE NOT AVAILABLE WITH VS 2339, VS 2340 OR VS 2341 The policy may be endorsed to cover loss by theft while the portion of the residence premises usually occupied by the insured is occasionally rented in whole or in part to others, or while there is rental to a roomer or boarder. Attach: HO 0480: Residence Rental Theft REPLACEMENT COST DWELLING COVERAGE Extended Dwelling Replacement Cost Coverage provided for all HO 00 03, PLUS, CLASSIC or ULTIMATE (One or Two Family Residence) policies. The limit of liability for Coverage A - Dwelling is extended to provide coverage up to the dwelling replacement cost subject to a limit of 150% of the Dwelling value for monoline policies. The Blanket erty Limit for PLUS, CLASSIC or ULTIMATE policies will be increased up to 50%. HO 00 03 - LIMIT OF LIABILITY The Limit of Liability for Coverages B, C, and D is determined by multiplying the following percentages times the Coverage A replacement cost as of the time of the loss: Coverage B - Other Structures 10% Coverage C - Personal erty 50% Coverage D - Loss of Use 20% Note: If the Replacement Cost Value Endorsement for Personal erty is used, the limit of liability for Coverage C is automatically increased to 70% of Coverage A. If any changes are made to the dwelling which increase the dwelling replacement cost by 5% ($5,000 for PLUS, CLASSIC or ULTIMATE policies) or more, notification must be submitted to the Company within 30 days after completion. Policy premiums will be based on annually revised dwelling values updated by the use of a residential building index used by the Company. PLUS or CLASSIC The Limit of Liability for Coverages B, C, and D in the aggregate is 100% of the dwelling replacement cost at the time of the loss. Attach: VS 1375: Extended Dwelling Replacement Cost Coverage SPECIAL VS 1376: Extended Dwelling Replacement Cost Coverage PLUS or CLASSIC 27 Kemper Independence Insurance Company, California

WATER BACK UP COVERAGE Coverage may be provided for loss by water which backs up through sewers or drains, or overflows from a sump; subject to a $250 Deductible. CLASSIC provides $10,000 and ULTIMATE provides $15,000. Coverage A must exceed $250,000 for Water Backup coverage beyond $25,000 Water Back Up coverage is available with the following limits: $5,000, $10,000, $15,000, $20,000, $25,000, $30,000, $40,000, $50,000 Attach: VS 2271: Water Back Up and Sump Overflow Kemper Independence Insurance Company, California 28

BLANKET VALUABLE ITEMS The classes of valuable items listed below are covered under a blanket coverage basis. The items are insured against risk of direct loss only if the loss is a physical loss to property. Attach: VS 2343: Coverage G - Blanket Valuable Items No deductible applies to this coverage, except if a loss under this coverage is also covered under Coverage C of this policy, such Coverage C insurance shall be excess and the Section I deductible shall apply to the excess coverage. A minimum coverage amount of $1,000, with a minimum premium of $10 applies. The following property classes have a per item limit of $25,000 and an aggregate limit of $100,000: Jewelry Furs Fine Arts Protection Class 1 9 Fine Arts Protection Class 10 Silverware All Classes (except Guns) The following property classes have a per item limit of $10,000 and an aggregate limit of $50,000: Golfer s Equipment Cameras Guns Musical Instruments Fragile Articles (includes breakage coverage) Protection Class 1 9 Fragile Articles (includes breakage coverage) Protection Class 10 The Collectibles Class has a per item limit of $10,000 and an aggregate limit of $50,000. 29 Kemper Independence Insurance Company, California

BLANKET VALUABLE ITEMS COLLECTIBLES CODE TITLE CODE TITLE 701 Advertising Memorabilia 748 Lamps & Lighting 702 Art - Craft Equipment and Tools 749 License Plates 703 Art - Paintings, Prints, Sculpture 750 Lighted Signs 704 Autograph Collection 751 Maps 705 Beauty & Grooming Tools and Memorabilia 752 Marbles 706 Bell Collection 753 Matchcovers and Matchbooks 707 Bicycles 754 McDonalds Memorabilia 708 Books - Bibles & Liturgy 755 Metal Detecting 709 Books - Comic 756 Metal Signs 710 Books - General 757 Microfiche (film and equipment) 711 Bottles 758 Military 712 Breweriana 759 Movies/Television films 713 Bric-a-brac (not otherwise classified) 760 Music Boxes 714 Business History, Signage, Documents 761 Music Memorabilia & Related 715 Buttons 762 Musical Instruments 716 Canes 763 Native Artifacts 717 Celebrity Memorabilia 764 Paperweights 718 Ceramics 765 Perfume Bottles 719 China 766 Photography Cameras, Projectors, Equipment 720 Clocks 767 Photography Prints, books 721 Coins 768 Plaques 722 Comic Characters 769 Political Memorabilia 723 Computers (unique/antique) 770 Porcelain 724 Correspondence 771 Postcards 725 Costumes 772 Posters/Paper 726 Currency 773 Quilts 727 Depression Glass 774 Radio Memorabilia & Related 728 Disney 775 Railroad Memorabilia & Related 729 Dolls - Barbie and accessories 776 Religious (statues, votive, books, papers) 730 Dolls - Cinnabar and accessories 777 Royalty Memorabilia 731 Dolls - General 778 Science Fiction (models, books, educational material) 732 Dolls - Kachina and accessories 779 Shells/Stones/Gems 733 Dolls - Stuffed Dolls and Animals 780 Soda Collectibles 734 Eyeglasses and Magnifiers 781 Space & Flying (models, books, education material) 735 Farm Memorabilia & Related 782 Spoons 736 Figurines - Hummel 783 Sports Cards/Baseball Cards 737 Figurines - Miniatures 784 Sports Memorabilia (Autographs, equipment, posters, film) 738 Figurines - Royal Doulton 785 Stamps 739 Fire Memorabilia & Related 786 Textiles & Needlework (equipment, material) 740 Firearms 787 Tobacco History (equipment, books, posters, advertisement) 741 Fountain Pens 788 Tokens & Medals 742 Glass Sculpture 789 Tools & Machinery 743 Golf Equipment and Memorabilia 790 Toys & Games 744 Holiday Ornaments 791 Trains (model, toy) 745 Hubcaps 792 Transportation 746 Kitchen Tools & Utensils 793 Western 747 Knives 794 Wine Kemper Independence Insurance Company, California 30

BUSINESS PROPERTY - INCREASED LIMITS The $2,500 ($5,000 for CLASSIC) limit of liability for business property on the residence premises may be increased to $10,000 in increments of $2,500. The limit of liability in excess of $2,500 does not apply to: Business property in storage or held as a sample or for sale or delivery after sale; Business property pertaining to a business actually conducted on the residence premises. (This exposure is addressed by HO 0442 - Permitted Incidental Occupancies.) When the on-premises limit is increased, the off-premises limit of $250 ($2,000 for CLASSIC) is automatically increased, at no additional charge, to an amount that is 10% of the total on-premises limit of liability. Note: ULTIMATE provides $10,000 for business property on the residence premises and $5,000 for business property off premises. Attach: HO-0412: Increased Limits of Business erty CREDIT CARD, FUND TRANSFER CARD, FORGERY, AND COUNTERFEIT MONEY Both CLASSIC and ULTIMATE include $10,000 of coverage. The limit of $1,000 ($5,000 for PLUS) may be increased for an additional premium. An additional $500 is provided to the Section I limit when Endorsement VS 2317 Special Homeowners Endorsement is included. Attach: HO 0453: Credit Card, Fund Transfer Card, Forgery and Counterfeit Money Coverage Increased Limits Limits Available: $2,500, $5,000, $7,500, $10,000 IDENTITY FRAUD EXPENSE COVERAGE $15,000 of coverage will be provided for identity fraud expenses of an insured discovered or first learned of during the policy period, subject to a $250 deductible. $50,000 of coverage will be provided in ULTIMATE. Coverage is available to pay for the following expenses: Costs for notarizing fraud affidavits or similar documents Certified mail sent to law enforcement, financial institutions and credit agencies Lost income resulting from time taken off work to meet with or talk to law enforcement or credit agencies Loan application fees for re-applying for a loan when the application is rejected solely because the lender received incorrect credit information Reasonable attorney's fees incurred to defend lawsuits brought against the insured and to remove criminal or civil judgments Attach: HO 0487: Identity Fraud Expense Coverage 31 Kemper Independence Insurance Company, California

PERSONAL PROPERTY - INCREASED LIMIT This rule does not apply to PLUS, CLASSIC and ULTIMATE. The total limit for Coverage C should be included in the Blanket erty Limit. The limit of liability for Coverage C may be increased. PERSONAL PROPERTY - INCREASED LIMITS - OTHER RESIDENCES Coverage for personal property owned by the insured that is usually located at other residences is to 10% of Coverage C or $1,000, whichever is greater. This limit may be increased. Attach: HO 0450: Increased Limits on Personal erty in Other Residences Kemper Independence Insurance Company, California 32

PERSONAL PROPERTY INCREASED SPECIAL LIMITS OF LIABILITY Special Limits of Liability for Jewelry, Watches and Furs, Money and Securities, Silverware, Goldware, and Pewterware, Firearms, and Electronic Apparatus may be increased. Attach: HO 0465: Coverage C Increased Special Limits of Liability HO 0466: Coverage C Increased Special Limits of Liability for policies with VS 1243, VS 1244 or VS 1242 JEWELRY, WATCHES, AND FURS PLUS: The special limit of liability is $5,000 with a per article limit of $1,000. CLASSIC: The special limit of liability is $5,000 with no per article limit. ULTIMATE: The special limit of liability is $10,000 with no per article limit. VS 2317 Special Homeowners Endorsement: An additional $500 is automatically included. The special limit of liability of $2,500 for theft of jewelry, watches and furs is automatically provided at no additional charge on all Homeowners policies. This limit may be increased to a maximum of $5,000 but not exceeding $1,000 for any one article. Attach: VK 1046: Unscheduled Jewelry, Watches and Furs Increased Limits of Liability MONEY AND SECURITIES PLUS provides $200 for Money and $1000 for Securities. CLASSIC and ULTIMATE include limits of $1,000 for Money and $5,000 for Securities The special limit of liability of $200 on money may be increased to a maximum of $1,000. The $1,000 limit on securities may be increased to a maximum of $2,000. SILVERWARE, GOLDWARE, AND PEWTERWARE PLUS: The special limit of liability is $5,000 CLASSIC: The special limit of liability is $5,000 ULTIMATE: The special limit of liability is $10,000 VS 2317 Special Homeowners Endorsement: An additional $500 is automatically included. The special limit of liability is $2,500 for loss by theft of silverware, etc. may be increased to a maximum of $10,000 in increments of $500. Note: An additional $500 is automatically included when Endorsement VS 2317 Special Homeowners is used. FIREARMS CLASSIC and ULTIMATE endorsement: The special limit of liability is $5,000. The special limit of liability of $2,000 for loss by theft of firearms may be increased to a maximum of $6,000 in increments of $100. ELECTRONIC APPARATUS The policy provides coverage, as described below, for loss of electronic apparatus equipped to be operated from the electrical system of a motor vehicle or motorized land conveyance while retaining its capacity of being operated by other sources of power: Up to $1,000 for apparatus in or upon a motor vehicle or motorized land conveyance, and Up to $1,000 for apparatus not in or upon a motor vehicle that is away from the residence premises and used for business. Each of these limits may be increased to a maximum of $5,000 in increments of $500. 33 Kemper Independence Insurance Company, California

REFRIGERATED PROPERTY Included in PLUS, CLASSIC and ULTIMATE The policy may be endorsed to provide $500 of coverage for covered property stored in freezers or refrigerators on the residence premises for loss caused by power service interruption or mechanical failure. A deductible of $100 applies. This coverage is automatically included when VS 2317 Special Homeowners Endorsement is used. Attach: HO 0498: Refrigerated erty Coverage REPLACEMENT COST CONTENTS APPLIES TO HO 4 AND HO 6 ONLY "Replacement Value" may be substituted for "Actual Cash Value" for Section I - Coverage C - Unscheduled Personal erty. The Replacement Cost Coverage will not apply to residences rented or leased to others. Replacement Cost Coverage also applies to articles or classes of property separately described and specifically insured on the policy, as listed in the Scheduled Personal erty endorsement. For an HO 00 03 Coverage C is automatically elevated to 70% of Coverage A at no additional charge. Attach: VS 2282: Replacement Value Endorsement SPECIAL COMPUTER COVERAGE The policy may be endorsed to insure computers and related equipment against additional risks of physical loss subject to certain exclusions. Note: Coverage not available with VS 2339, VS 2340, VS 2341, CLASSIC or ULTIMATE Attach: VS 2316: Special Computer Coverage Kemper Independence Insurance Company, California 34

PERSONAL PROPERTY - SCHEDULED The following classes of property may be covered on a scheduled basis: Camera, Coins, Fine Arts, Furs, Guns, Golfer s Equipment, Jewelry, Musical Instruments, Personal Electronic Equipment, Silverware, and Stamps. Under Fine Arts, breakage coverage for fragile articles may be extended to cover all risk of physical loss. The value of the fragile articles covered and the additional premium shall be stated separately on the schedule. The premium is in addition to the premium for the Fine Arts basic coverage. When Special breakage coverage is extended to fine arts, rate the portion with breakage and the portion without breakage separately. For articles being transported between the primary location and secondary locations, the highest applicable protection class shall apply when determining the premium. JEWELRY QUALIFIERS: BROAD FORM PAIR & SET: For an additional premium, in case of partial loss to a pair or set, the insured will receive payment for the full amount of the set as shown in the schedule - in accordance with the defined Loss Settlement - and insured must surrender the remaining article or articles of the set. SAFE CREDIT: Jewelry is considered highly protected if the covered article(s) is kept at all times, when not being worn, in a secured on-premises safe or vault. The safe or vault must be permanently attached to the residential structure and not capable of being lifted or moved by an individual person. VAULT CREDIT: Available on jewelry if the covered article(s) is kept at all times, when not being worn, in a bank vault. The vault location (address of the bank) is required The minimum coverage amount per class is $1,000. The minimum endorsement premium is $17. Note: For Professional Camera and Professional Musical Instruments please refer to Underwriting to add these items. Attach: HO 04 61: Scheduled Personal erty for all classes except Personal Electronic Equipment VK 935: Scheduled Personal Electronic Equipment IJF 10 11: Jewelry Broad Pair & Set IJF 10 12: Jewelry in Vaults VS 1837: Highly Protected erty (i.e. Safe Credit) ISC 1311: Stamp and Coin Collection Safe Credit Endorsement AGREED VALUE The claim settlement procedure for a total loss to an article may be amended to allow for stated amount settlement in lieu of actual cash value for all classes listed above except personal electronic equipment. This coverage is included in the CLASSIC and ULTIMATE endorsement. Attach: VK 1035: Scheduled Agreed Amount 35 Kemper Independence Insurance Company, California

SPECIAL PERSONAL PROPERTY HO 00 03 ONLY Coverages A and B under Form HO 00 03 are insured against additional risks of physical loss subject to certain exclusions. Coverage C is insured against perils named in the form. The policy may be endorsed to insure Coverage C against additional risks of physical loss subject to certain exclusions. Note: CLASSIC and ULTIMATE include this coverage Attach: VS 2340: Special Personal erty Coverage HO 00 03 Only VS 2339: Special Personal erty Coverage PLUS, CLASSIC or ULTIMATE HO 00 06 ONLY Coverage C and Coverage A under Form HO 00 06 are insured against perils named in the form. The policy may be endorsed to insure Coverage C and Coverage A against additional risks of physical loss subject to certain exclusions. This option may only be used when the condominium or cooperative unit is owner occupied. Note: CLASSIC and ULTIMATE include this coverage Attach: VS 2341: Special Personal erty Coverage HO 00 06 Only VS 2339: Special Personal erty Coverage PLUS Note: Endorsements VS 2339, VS 2340, and VS 2341 do not cover loss to personal property under Section I caused by. Kemper Independence Insurance Company, California 36

OTHER EXPOSURES SECTION II LIABILITY INCREASED LIMITS AND OTHER EXPOSURES Coverage E Liability: $100,000 Coverage F Medical Payments to Others: $1,000 If increased limits are written for the Residence Premises then the same limits must apply to any other Section II exposure, unless otherwise indicated. The additional charge applies to the following exposures: Additional Residence Additional Residence Rented to Others Business Pursuits Incidental Farming Permitted Incidental Farming Personal Injury Residence Employees Other Structures Rented to Others Personal Liability Increased Limits: $200,000, $300,000, $400,000, $500,000 Medical Payments to Others Increased Limits: $2,000, $3,000, $4,000, $5,000 PERSONAL INJURY NOT APPLICABLE FOR ULTIMATE Liability coverage for personal injury to others, such as false arrest, libel or invasion of privacy, may be added to the policy. This coverage is included when VS 2317 Special Homeowners Endorsement is used. Attach: HO 2482: Personal Injury RESIDENCE PREMISES BASIC AND INCREASED LIMITS OF LIABILITY AND MEDICAL PAYMENTS TO OTHERS The premium for the basic limit of Coverage F (Medical Payments to Others) is included in the base premium. The premium for Coverage E (Liability) consists of two components: liability and workers compensation. The liability portion of the premium is included in the base premium for the basic limit. The workers compensation portion is $10 and is automatically included in the charge for any level of Coverage E. Optional Increased limits of Coverage E and Coverage F are available for an additional charge. WORKERS COMPENSATION FOR RESIDENCE EMPLOYEES Coverage for occasional servants is automatically included under Coverage E of all Homeowners Policies. The $10 rate per policy is automatically included in the charge for any level of Coverage E. Optional Coverages for full-time in-servants or full-time out-servants is available for an additional charge. 37 Kemper Independence Insurance Company, California

INCIDENTAL FARMING PERSONAL LIABILITY ON THE RESIDENCE PREMISES The policy may be endorsed to provide coverage for the liability of the insured when farming is conducted on the residence premises and is incidental to the use of the premises as a dwelling, and the income derived from the farming operation is not the insured's primary source of income. However, coverage is not available if the location specified in the endorsement is used for racing purposes. The policy may also be endorsed to provide coverage when the residence premises is used for the sheltering and grazing of animals. Attach: HO 2472: Incidental Farming Personal Liability AWAY FROM THE RESIDENCE PREMISES The policy may be endorsed to provide coverage for the liability of the insured whose incidental farming activities are conducted at the specified locations, which are away from the residence premises. Such incidental farming activities may include the boarding or grazing of the insured's animals, or use of the land as garden space if the income derived from such activities is not the insured's primary source of income. However, coverage is not available if the locations specified in the endorsement are used for racing purposes. Attach: HO 2472: Incidental Farming Personal Liability Kemper Independence Insurance Company, California 38

PERMITTED INCIDENTAL OCCUPANCIES RESIDENCE PREMISES AND OTHER RESIDENCES Coverage for a permitted incidental occupancy is limited under Section I and excluded under Section II. The policy may be endorsed to provide expanded Section I coverage and Section II coverage on a permitted incidental occupancy located in the dwelling or in an other structure on the residence premises. When the business is conducted on the residence premises, both Section I and II coverage may be extended by this endorsement. When it is conducted from another residence, only Section II coverage is available. If the permitted incidental occupancy is located in another structure, Coverage B does not apply to that structure. The Permitted Incidental Occupancies Endorsement also covers personal property pertaining to the permitted incidental occupancy within the Coverage C limits stated in the declaration. If increased Coverage C limits are desired, refer to the Personal erty Optional Coverage. Examples of such permitted incidental occupancies are offices, schools or studios, meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instructional purposes. Attach: HO 0442: Permitted Incidental Occupancies Residence Premises HO 2443: Permitted Incidental Occupancies - Other Residence BUSINESS PURSUITS The policy may be endorsed to provide coverage for the liability of the insured arising out of business activities. Coverage is excluded if the insured owns the business, is a partner or maintains financial control in the business. Classes of business activity include clerical employees, sales persons, collectors or messengers and teachers. Attach: HO 2471: Business Pursuits 39 Kemper Independence Insurance Company, California

ADDITIONAL RESIDENCE OTHER INSURED LOCATIONS OCCUPIED BY INSURED Section II coverage may be provided on locations other than the residence premises, where an insured resides, but which are insured for Section I coverage under another insurance program or by another company. Attach: ADRES: Additional Residence ADDITIONAL RESIDENCE RENTED TO OTHERS The policy may be endorsed to provide coverage when an additional residence is rented to others. Attach: HO 2470: Additional Residence Rented to Others GOLF CART COVERAGE EXTENSION The policy may be endorsed at no additional charge to provide insurance under Coverages E and F for motorized golf carts under the following conditions: The golf cart is located within a development with a security controlled gate entrance. The golf cart is used only within the development for recreational purposes. The development must be approved by the Company. The development must be a golf gated community or retirement community that allows golf carts to be driven on the community roads. Attach: VS 1130: Coverage Extension for Golf Carts. Kemper Independence Insurance Company, California 40

STATE SPECIFIC AMENDATORY ENDORSEMENTS SPECIAL STATE REQUIREMENTS The below forms may be listed on the declarations page. For your convenience a short explanation is provided. HO 2490: WORKERS COMPENSATION Use with All HO policies AK 4001: SPECIAL PROVISIONS ENDORSEMENT Use with Package PLUS and CLASSIC Policies VS 1479: SPECIAL PROVISIONS ENDORSEMENT Use with Monoline policies (Excluding PLUS, CLASSIC, ULTIMATE) VA 2209: SECTION I EXCLUSIONS ENDORSMENT Use with All HO Policies VS 2310: SPECIAL PROVISIONS ENDORSEMENT Use with Monoline ULTIMATE Policies VS 2311: SPECIAL PROVISIONS ENDORSEMENT Use with Package ULTIMATE Policies VS 2312: SPECIAL PROVISIONS ENDORSEMENT Use with Monoline PLUS and CLASSIC Policies AU 971: SPECIAL PROVISIONS ENDORSEMENT Use with Package Auto Policies Includes copyrighted material of Insurance Services Office Inc. with its permission 41 Kemper Independence Insurance Company, California

TERRITORY ASSIGNMENTS Zip Zip Zip 90001 226 012 92606 130 012 95004 036 014 90002 226 012 92610 436 002 95005 427 009 90003 226 012 92612 130 012 95006 427 009 90004 226 012 92614 130 012 95008 037 017 90005 226 012 92617 130 002 95010 383 014 90006 226 012 92618 130 002 95012 036 014 90007 226 012 92620 130 012 95013 413 009 90008 226 012 92624 130 002 95014 037 015 90010 226 012 92625 130 012 95017 383 009 90011 226 012 92626 132 012 95018 427 009 90012 226 012 92627 132 012 95019 383 014 90013 226 012 92629 130 002 95020 038 009 90014 226 012 92630 130 002 95023 036 002 90015 226 012 92637 130 002 95030 038 009 90016 226 012 92646 132 012 95032 037 009 90017 226 012 92647 132 012 95033 427 009 90018 226 012 92648 132 012 95035 038 017 90019 226 012 92649 132 012 95037 038 009 90020 226 012 92651 130 002 95039 036 014 90021 226 012 92653 130 002 95041 383 009 90022 226 012 92655 132 012 95043 411 002 90023 226 012 92656 130 002 95045 036 002 90024 382 012 92657 130 002 95046 038 009 90025 381 012 92660 130 012 95050 037 017 90026 226 012 92661 130 012 95051 037 017 90027 226 012 92662 130 012 95054 030 017 90028 226 012 92663 130 012 95060 383 009 90029 226 012 92672 130 002 95062 383 014 90031 226 012 92673 130 002 95064 427 009 90032 226 012 92675 130 002 95065 383 009 90033 226 012 92676 436 002 95066 383 009 90034 381 012 92677 130 002 95070 038 015 90035 381 012 92679 436 002 95073 383 009 90036 381 012 92683 132 012 95075 411 002 90037 226 012 92688 130 002 95076 383 014 90038 226 012 92691 130 002 95101 038 017 90039 227 012 92692 130 002 95110 180 017 90040 226 012 92694 130 012 95111 180 017 90041 227 012 92701 131 012 95112 180 017 90042 227 012 92703 131 012 95113 180 017 90043 226 012 92704 131 012 95116 180 017 90044 226 012 92705 129 012 95117 182 017 90045 228 012 92706 131 012 95118 182 017 90046 382 012 92707 130 012 95119 181 009 90047 226 012 92708 132 012 95120 181 009 90048 381 012 92780 131 012 95121 181 017 90049 381 013 92782 131 012 95122 180 017 90056 226 012 92799 430 002 95123 181 017 Kemper Independence Insurance Company, California 42

Zip Zip Zip 90057 226 012 92801 131 012 95124 182 017 90058 226 012 92802 131 012 95125 182 017 90059 228 012 92804 131 012 95126 181 017 90061 228 012 92805 131 012 95127 180 017 90062 226 012 92806 129 012 95128 182 017 90063 226 012 92807 129 002 95129 182 017 90064 381 012 92808 129 002 95130 182 017 90065 227 012 92809 129 009 95131 181 017 90066 381 012 92821 129 012 95132 181 017 90067 382 012 92823 419 012 95133 181 017 90068 226 012 92831 129 012 95134 181 017 90069 381 012 92832 131 012 95135 181 009 90071 380 012 92833 129 012 95136 182 017 90073 381 012 92835 129 012 95138 181 009 90077 437 012 92840 131 012 95139 181 009 90079 381 012 92841 131 012 95140 413 009 90089 228 012 92843 131 012 95141 428 009 90094 228 012 92844 132 012 95148 181 017 90099 381 012 92845 132 012 95202 041 002 90101 381 012 92860 271 012 95203 041 002 90201 380 012 92861 129 012 95204 041 002 90210 382 012 92862 436 002 95205 041 002 90211 382 012 92865 129 012 95206 041 002 90212 382 012 92866 131 012 95207 041 002 90220 380 012 92867 129 012 95209 041 002 90221 380 012 92868 131 012 95210 041 002 90222 380 012 92869 129 002 95212 045 002 90230 381 012 92870 129 012 95215 045 002 90232 381 012 92879 271 012 95219 045 002 90240 379 012 92880 271 012 95220 045 002 90241 379 012 92881 271 012 95222 440 002 90242 379 012 92882 271 012 95223 440 002 90245 269 012 92883 271 012 95225 440 002 90247 380 012 92886 129 012 95228 270 002 90248 380 012 92887 129 012 95230 402 002 90249 380 012 92899 430 012 95231 045 002 90250 380 012 93001 229 006 95232 440 002 90254 269 012 93003 229 018 95236 045 002 90255 380 012 93004 229 018 95237 045 002 90260 380 012 93010 229 018 95240 045 002 90261 380 012 93012 229 013 95242 045 002 90262 380 012 93013 386 006 95245 440 002 90263 437 012 93015 409 018 95246 440 002 90265 437 013 93021 229 013 95247 440 002 90266 269 012 93022 409 006 95249 440 002 90270 380 012 93023 409 006 95251 440 002 90272 381 013 93030 229 018 95252 270 002 90274 269 012 93033 229 018 95255 440 002 90275 269 012 93035 229 018 95257 440 002 90277 269 012 93036 229 018 95258 045 002 90278 269 012 93041 229 018 95301 119 002 43 Kemper Independence Insurance Company, California

Zip Zip Zip 90280 380 012 93060 229 018 95303 116 002 90290 437 013 93063 229 018 95304 045 002 90291 381 012 93065 229 013 95306 440 002 90292 269 012 93066 229 018 95307 043 002 90293 269 012 93067 386 006 95309 440 002 90301 380 012 93101 386 006 95310 440 002 90302 380 012 93103 386 006 95311 440 002 90303 380 012 93105 386 006 95313 043 002 90304 380 012 93106 386 006 95315 116 002 90305 380 012 93108 386 006 95316 116 002 90311 380 012 93109 386 006 95317 116 002 90401 381 012 93110 386 006 95318 440 002 90402 381 012 93111 386 006 95320 045 002 90403 381 012 93117 386 006 95321 440 002 90404 381 012 93202 392 002 95322 116 002 90405 381 012 93203 044 002 95323 043 002 90501 380 012 93204 392 002 95324 116 002 90502 380 012 93205 406 002 95325 440 002 90503 269 012 93206 044 002 95326 043 002 90504 380 012 93207 262 002 95327 270 002 90505 269 012 93210 125 002 95329 043 002 90506 380 012 93212 392 002 95330 045 002 90601 379 012 93215 266 002 95333 116 002 90602 379 012 93219 268 002 95334 116 002 90603 379 012 93221 268 002 95335 440 002 90604 379 012 93223 262 002 95336 045 002 90605 379 012 93224 406 002 95337 045 002 90606 379 012 93225 406 002 95338 270 002 90620 129 012 93226 406 002 95340 119 002 90621 129 012 93230 268 002 95343 119 002 90623 129 012 93234 125 002 95345 440 002 90630 132 012 93235 262 002 95346 440 002 90631 129 012 93238 406 002 95348 119 002 90638 379 012 93239 392 002 95350 043 002 90640 380 012 93240 044 002 95351 043 002 90650 380 012 93241 044 002 95354 043 002 90660 379 012 93242 125 002 95355 043 002 90670 379 012 93243 406 002 95356 043 002 90680 131 012 93244 405 002 95357 043 002 90701 379 012 93245 268 002 95358 043 002 90703 379 012 93247 268 002 95360 116 002 90704 437 012 93249 406 002 95361 043 002 90706 380 012 93250 044 002 95363 043 002 90710 380 012 93251 406 002 95364 440 002 90712 380 012 93252 406 002 95366 045 002 90713 380 012 93254 412 006 95367 043 002 90715 380 012 93255 406 002 95368 043 002 90716 380 012 93256 262 002 95369 116 002 90717 380 012 93257 268 002 95370 270 002 90720 132 012 93260 405 002 95372 270 002 90723 380 012 93262 405 002 95374 116 002 Kemper Independence Insurance Company, California 44

Zip Zip Zip 90731 380 012 93263 266 002 95376 045 002 90732 380 012 93265 405 002 95377 045 002 90740 132 012 93266 392 002 95378 042 002 90742 132 002 93267 268 002 95379 440 002 90743 132 002 93268 266 002 95380 265 002 90744 380 012 93270 262 002 95382 265 002 90745 380 012 93271 405 002 95383 440 002 90746 380 012 93272 262 002 95385 045 002 90755 571 012 93274 268 002 95386 043 002 90802 057 012 93276 044 002 95388 116 002 90803 571 012 93277 268 002 95389 440 002 90804 057 012 93280 044 002 95391 045 002 90805 057 012 93283 406 002 95401 035 011 90806 057 012 93285 044 002 95403 035 011 90807 571 012 93286 268 002 95404 035 011 90808 571 012 93287 406 002 95405 035 011 90810 057 012 93291 268 002 95407 035 011 90813 057 012 93292 268 002 95409 035 011 90814 057 012 93301 266 002 95410 426 005 90815 571 012 93304 266 002 95412 410 005 90822 057 012 93305 266 002 95415 426 005 90831 057 012 93306 266 002 95417 426 005 90833 057 012 93307 266 002 95420 426 005 90834 057 012 93308 266 002 95421 410 005 90835 057 012 93309 266 002 95422 440 002 91001 376 012 93311 266 002 95423 440 002 91006 376 012 93312 266 002 95425 035 005 91007 376 012 93313 266 002 95427 426 005 91010 376 012 93314 266 002 95428 426 005 91011 377 010 93401 074 004 95429 426 005 91016 376 012 93402 074 004 95430 410 005 91020 377 010 93405 074 004 95432 426 005 91024 376 012 93407 074 004 95436 410 005 91030 376 012 93408 401 002 95437 163 005 91040 434 010 93409 401 002 95439 035 011 91042 434 010 93410 401 002 95441 410 005 91101 376 012 93420 074 004 95442 035 005 91103 376 012 93422 111 004 95443 440 002 91104 376 012 93424 074 002 95444 035 011 91105 376 012 93426 411 004 95445 163 005 91106 376 012 93427 385 006 95446 410 005 91107 376 012 93428 074 004 95448 035 005 91108 376 012 93429 412 006 95449 163 005 91201 377 012 93430 074 004 95450 410 002 91202 377 012 93432 400 004 95451 440 002 91203 377 012 93433 074 004 95452 035 005 91204 377 012 93434 385 006 95453 440 002 91205 377 012 93436 412 006 95454 426 005 91206 434 012 93437 412 006 95456 426 005 91207 434 012 93440 386 006 95457 440 002 91208 434 012 93441 386 006 95458 440 002 45 Kemper Independence Insurance Company, California

Zip Zip Zip 91210 377 012 93442 074 004 95459 163 005 91214 434 012 93444 074 004 95460 163 005 91301 128 013 93445 074 004 95461 440 002 91302 128 013 93446 111 004 95462 410 005 91303 378 018 93449 074 004 95464 440 002 91304 378 018 93450 411 004 95465 410 005 91306 378 018 93451 111 004 95466 426 005 91307 378 018 93452 401 004 95467 440 005 91311 378 018 93453 111 004 95468 426 005 91316 378 018 93454 385 006 95469 163 005 91320 230 013 93455 385 006 95470 163 005 91321 422 018 93458 385 006 95472 035 011 91324 378 018 93460 385 006 95476 035 011 91325 378 018 93461 111 004 95480 410 005 91326 378 018 93463 385 006 95482 163 005 91331 377 018 93465 111 004 95485 440 002 91335 377 018 93475 074 004 95488 426 005 91340 377 018 93501 044 002 95490 163 005 91342 434 010 93505 044 002 95492 035 011 91343 377 018 93510 422 010 95493 440 002 91344 378 018 93512 440 002 95494 426 005 91345 378 018 93513 440 002 95497 035 005 91350 009 010 93514 440 002 95501 389 007 91351 009 010 93516 044 002 95503 389 007 91352 434 012 93517 440 002 95511 418 002 91354 009 018 93518 406 002 95514 418 002 91355 009 018 93519 044 002 95519 389 007 91356 378 018 93523 044 002 95521 389 007 91360 230 013 93526 440 002 95524 389 007 91361 230 013 93527 044 002 95525 389 007 91362 230 013 93528 044 002 95526 418 002 91364 431 018 93529 440 002 95527 440 002 91367 378 018 93531 406 002 95528 418 007 91377 128 012 93532 422 010 95531 252 002 91381 009 018 93534 009 010 95536 261 007 91382 009 012 93535 009 010 95540 389 007 91383 009 012 93536 009 010 95542 418 007 91384 009 018 93541 440 002 95543 440 002 91387 009 010 93543 009 010 95546 418 002 91390 422 010 93544 009 010 95547 389 007 91401 377 018 93545 440 002 95548 440 002 91402 377 012 93546 440 002 95549 418 007 91403 377 018 93550 009 010 95550 418 002 91405 377 018 93551 009 010 95551 261 007 91406 377 018 93552 009 010 95552 440 002 91411 377 018 93553 422 010 95554 418 007 91423 377 018 93554 044 002 95555 261 007 91436 377 018 93555 044 002 95556 418 002 91501 431 012 93560 044 002 95558 418 007 91502 377 012 93561 044 002 95560 418 007 91504 377 012 93562 404 002 95562 261 007 Kemper Independence Insurance Company, California 46

Zip Zip Zip 91505 377 012 93563 422 010 95563 440 002 91506 377 012 93591 009 010 95564 418 007 91601 377 018 93601 407 002 95565 418 007 91602 377 012 93602 425 002 95567 252 002 91604 377 012 93603 405 002 95568 440 002 91605 377 012 93604 407 002 95569 418 007 91606 377 012 93608 125 002 95570 261 007 91607 377 018 93609 125 002 95573 261 002 91608 434 012 93610 267 002 95585 426 005 91701 107 016 93611 124 002 95587 426 005 91702 379 012 93612 124 002 95589 261 007 91706 379 012 93613 124 002 95595 440 002 91709 107 008 93614 407 002 95602 039 002 91710 107 016 93615 262 002 95603 039 002 91711 107 012 93616 125 002 95605 384 002 91722 106 012 93618 268 002 95606 416 002 91723 106 012 93619 124 002 95607 384 002 91724 106 012 93620 116 002 95608 039 002 91730 107 016 93621 425 002 95610 039 002 91731 379 012 93622 125 002 95612 384 002 91732 379 012 93623 440 002 95614 440 002 91733 379 012 93625 125 002 95615 257 002 91737 107 016 93626 125 002 95616 384 002 91739 107 016 93627 125 002 95618 384 002 91740 106 012 93628 425 002 95619 252 002 91741 106 012 93630 125 002 95620 384 002 91744 379 012 93631 268 002 95621 039 002 91745 379 012 93633 405 002 95623 440 002 91746 379 012 93635 116 002 95624 375 002 91748 379 012 93636 267 002 95626 257 002 91750 106 012 93637 267 002 95627 384 002 91752 271 008 93638 267 002 95628 039 002 91754 379 012 93640 125 002 95629 440 002 91755 379 012 93641 425 002 95630 039 002 91758 102 008 93643 407 002 95631 440 002 91759 422 010 93644 407 002 95632 375 002 91761 107 008 93645 407 002 95633 440 002 91762 107 016 93646 125 002 95634 440 002 91763 107 016 93647 262 002 95635 440 002 91764 107 016 93648 125 002 95636 440 002 91765 433 012 93650 123 002 95637 384 002 91766 433 012 93651 425 002 95638 375 002 91767 433 012 93652 125 002 95639 257 002 91768 433 012 93653 407 002 95640 270 002 91770 379 012 93654 124 002 95641 257 002 91773 106 012 93656 125 002 95642 440 002 91775 379 012 93657 125 002 95645 384 002 91776 379 012 93660 125 002 95648 039 002 91780 379 012 93662 124 002 95650 039 002 91784 107 016 93664 425 002 95651 440 002 91786 107 016 93667 425 002 95652 258 002 47 Kemper Independence Insurance Company, California

Zip Zip Zip 91789 106 012 93668 125 002 95653 384 002 91790 379 012 93669 407 002 95655 375 002 91791 379 012 93675 425 004 95658 039 002 91792 379 012 93701 123 002 95659 263 002 91801 379 012 93702 123 002 95660 259 002 91803 379 012 93703 123 002 95661 039 002 91804 379 012 93704 123 002 95662 039 002 91901 053 002 93705 123 002 95663 039 002 91902 250 002 93706 123 002 95664 440 002 91905 053 002 93710 124 002 95665 440 002 91906 053 002 93711 124 002 95666 440 002 91910 250 002 93720 124 002 95667 253 002 91911 250 002 93721 123 002 95668 263 002 91913 250 002 93722 122 002 95669 440 002 91914 250 002 93723 123 002 95670 121 002 91915 250 002 93725 123 002 95672 420 002 91916 053 002 93726 123 002 95673 259 002 91917 053 002 93727 123 002 95674 263 002 91932 202 002 93728 123 002 95677 039 002 91934 053 002 93730 124 002 95678 039 002 91935 053 002 93901 036 014 95679 416 002 91941 250 002 93905 036 014 95681 440 002 91942 250 002 93906 036 014 95682 387 002 91945 250 002 93907 036 014 95683 375 002 91950 202 002 93908 036 014 95684 440 002 91962 053 002 93920 411 004 95685 440 002 91963 053 002 93923 036 004 95687 384 002 91977 250 002 93924 411 004 95688 384 002 91978 250 002 93925 036 014 95689 440 002 91980 053 002 93926 036 004 95690 259 002 92003 260 002 93927 036 004 95691 384 002 92004 053 002 93930 036 004 95692 263 002 92007 203 002 93932 411 004 95693 375 002 92008 203 002 93933 036 014 95694 384 002 92009 203 002 93940 036 004 95695 384 002 92010 203 002 93943 036 014 95698 384 002 92011 203 002 93950 036 004 95701 440 002 92014 203 002 93953 036 004 95703 440 002 92019 250 002 93955 036 004 95709 253 002 92020 250 002 93960 036 004 95713 263 002 92021 250 002 94002 032 017 95714 440 002 92024 203 002 94005 032 017 95715 440 002 92025 203 002 94010 032 017 95717 440 002 92026 203 002 94014 032 015 95720 440 002 92027 203 002 94015 032 015 95721 440 002 92028 414 002 94018 032 017 95722 440 002 92029 203 002 94019 032 015 95724 440 002 92036 053 002 94020 417 009 95726 253 002 92037 203 002 94021 417 009 95728 440 002 92040 250 002 94022 030 015 95735 440 002 92054 203 002 94024 030 015 95742 375 002 Kemper Independence Insurance Company, California 48

Zip Zip Zip 92055 053 002 94025 032 017 95746 039 002 92056 203 002 94027 032 017 95747 039 002 92057 203 002 94028 417 015 95757 375 002 92059 414 002 94030 032 017 95758 375 002 92061 414 002 94035 037 017 95762 039 002 92064 203 002 94038 032 015 95765 039 002 92065 439 002 94040 030 017 95776 384 002 92066 053 002 94041 037 017 95814 120 002 92067 260 002 94043 030 017 95815 120 002 92068 203 002 94044 032 015 95816 121 002 92069 203 002 94060 417 009 95817 120 002 92070 053 002 94061 032 017 95818 121 002 92071 250 002 94062 032 015 95819 039 002 92075 203 002 94063 032 017 95820 120 002 92078 203 002 94065 032 017 95821 121 002 92081 203 002 94066 032 017 95822 121 002 92082 260 002 94070 032 017 95823 120 002 92083 203 002 94074 417 009 95824 120 002 92084 203 002 94080 032 017 95825 121 002 92086 053 002 94085 037 017 95826 120 002 92091 053 002 94086 037 017 95827 121 002 92092 203 002 94087 037 017 95828 120 002 92093 203 002 94089 037 017 95829 375 002 92101 046 002 94102 007 017 95830 375 002 92102 202 002 94103 007 017 95831 121 002 92103 202 002 94104 007 017 95832 120 002 92104 202 002 94105 007 017 95833 120 002 92105 202 002 94107 007 017 95834 120 002 92106 202 002 94108 007 017 95835 120 002 92107 202 002 94109 007 017 95836 120 002 92108 046 002 94110 007 015 95837 120 002 92109 046 002 94111 007 017 95838 120 002 92110 046 002 94112 007 015 95841 120 002 92111 046 002 94114 007 015 95842 120 002 92113 202 002 94115 007 017 95843 257 002 92114 202 002 94116 007 017 95864 039 002 92115 202 002 94117 007 017 95901 263 002 92116 202 002 94118 007 017 95903 263 002 92117 046 002 94121 007 017 95910 440 002 92118 202 002 94122 007 017 95912 263 002 92119 046 002 94123 007 017 95914 424 002 92120 046 002 94124 007 017 95915 440 002 92121 046 002 94127 007 015 95916 424 002 92122 046 002 94128 032 017 95917 117 002 92123 046 002 94129 007 017 95918 440 002 92124 046 002 94130 007 017 95919 440 002 92126 046 002 94131 007 015 95920 263 002 92127 502 002 94132 007 017 95922 440 002 92128 502 002 94133 007 017 95923 440 002 92129 502 002 94134 007 015 95925 440 002 92130 502 002 94158 007 015 95926 117 002 49 Kemper Independence Insurance Company, California

Zip Zip Zip 92131 502 002 94301 030 017 95928 117 002 92132 046 002 94303 030 017 95930 424 002 92133 202 002 94304 038 015 95932 263 002 92134 415 002 94305 030 017 95934 440 002 92135 202 002 94306 030 017 95935 440 002 92136 046 002 94401 032 017 95936 440 002 92139 202 002 94402 032 017 95937 384 002 92140 046 002 94403 032 017 95938 117 002 92145 415 002 94404 032 017 95939 440 002 92147 046 002 94501 055 017 95941 424 002 92152 046 002 94502 055 017 95942 424 002 92154 202 002 94503 390 017 95943 263 002 92155 046 002 94505 033 009 95944 440 002 92173 202 002 94506 504 009 95945 440 002 92182 046 002 94507 504 017 95946 440 002 92197 046 002 94508 390 005 95947 440 002 92199 046 002 94509 033 009 95948 117 002 92201 109 008 94510 390 011 95949 440 002 92203 109 019 94512 390 011 95951 263 002 92210 109 008 94513 504 009 95953 263 002 92211 109 008 94514 045 009 95954 424 002 92220 220 008 94515 390 005 95955 263 002 92223 220 021 94517 504 009 95956 440 002 92225 109 002 94518 504 017 95957 263 002 92227 110 019 94519 033 017 95959 440 002 92230 219 008 94520 033 017 95960 440 002 92231 110 019 94521 033 017 95961 263 002 92233 110 019 94523 503 017 95962 440 002 92234 109 008 94525 033 017 95963 263 002 92236 109 019 94526 504 017 95965 117 002 92239 109 002 94528 504 017 95966 117 002 92240 109 008 94530 033 017 95968 117 002 92241 109 008 94531 033 017 95969 117 002 92242 107 002 94533 384 011 95970 263 002 92243 110 019 94534 384 011 95971 440 002 92249 110 019 94535 384 011 95972 440 002 92250 110 019 94536 055 017 95973 117 002 92251 110 019 94538 055 017 95975 440 002 92252 103 008 94539 055 017 95977 440 002 92253 109 008 94541 055 017 95979 440 002 92254 220 019 94542 055 017 95981 440 002 92256 103 008 94544 055 017 95982 263 002 92257 110 019 94545 055 017 95983 440 002 92259 110 002 94546 264 017 95984 440 002 92260 109 008 94547 033 017 95987 263 002 92261 109 008 94548 033 009 95988 263 002 92262 109 008 94549 504 017 95991 263 002 92264 109 008 94550 264 009 95993 263 002 92267 107 002 94551 264 017 96001 117 002 92270 109 008 94552 264 017 96002 117 002 92274 109 019 94553 033 017 96003 117 002 Kemper Independence Insurance Company, California 50

Zip Zip Zip 92276 109 008 94555 055 017 96006 440 002 92277 107 002 94556 423 017 96007 117 002 92278 103 002 94558 390 011 96008 424 002 92280 438 002 94559 390 011 96010 440 002 92281 110 019 94560 055 017 96013 424 002 92282 432 008 94561 033 009 96014 440 002 92283 440 002 94562 390 002 96015 440 002 92284 103 008 94563 423 017 96016 424 002 92285 438 002 94564 033 017 96017 424 002 92301 104 008 94565 033 009 96019 117 002 92304 103 002 94566 503 017 96020 440 002 92305 101 008 94567 390 005 96021 117 002 92307 104 008 94568 503 017 96022 117 002 92308 104 008 94569 033 017 96023 440 002 92309 103 002 94571 384 011 96024 440 002 92310 438 002 94572 033 017 96025 440 002 92311 103 002 94574 390 005 96027 440 002 92313 100 008 94576 390 005 96028 424 002 92314 101 008 94577 055 017 96029 424 002 92315 101 002 94578 055 017 96031 440 002 92316 100 021 94579 055 017 96032 440 002 92320 220 021 94580 055 017 96033 424 002 92324 100 021 94582 504 017 96034 440 002 92327 438 002 94583 504 017 96035 117 002 92328 440 002 94585 384 017 96038 440 002 92332 103 002 94586 055 011 96039 440 002 92335 100 021 94587 055 017 96040 424 002 92336 107 016 94588 503 017 96041 440 002 92337 107 008 94589 390 011 96044 440 002 92338 438 002 94590 390 011 96046 440 002 92339 101 008 94591 390 011 96047 424 002 92342 104 008 94592 390 011 96048 440 002 92344 104 008 94595 504 017 96050 440 002 92345 104 008 94596 503 017 96051 424 002 92346 107 008 94597 503 017 96052 440 002 92347 438 002 94598 503 017 96054 440 002 92352 101 002 94599 390 017 96055 117 002 92354 102 021 94601 052 017 96056 440 002 92356 103 002 94602 052 017 96057 256 002 92358 404 008 94603 052 017 96058 440 002 92359 107 008 94605 052 017 96059 424 002 92363 103 002 94606 052 017 96061 424 002 92364 438 002 94607 052 017 96062 424 002 92365 101 002 94608 055 017 96063 424 002 92368 103 008 94609 052 017 96064 256 002 92371 103 008 94610 055 017 96065 424 002 92372 103 008 94611 055 017 96067 256 002 92373 107 021 94612 052 017 96069 424 002 92374 107 008 94613 052 017 96071 424 002 92376 100 021 94615 052 017 96073 117 002 92377 107 008 94617 052 017 96075 424 002 51 Kemper Independence Insurance Company, California

Zip Zip Zip 92384 440 002 94618 054 017 96076 424 002 92389 440 002 94619 054 017 96080 117 002 92392 104 008 94621 054 017 96085 440 002 92394 104 008 94702 054 017 96086 440 002 92395 104 008 94703 056 017 96087 424 002 92397 101 008 94704 056 017 96088 424 002 92399 107 008 94705 054 017 96091 440 002 92401 100 021 94706 055 017 96093 440 002 92403 103 002 94707 033 017 96094 256 002 92404 100 021 94708 054 017 96096 424 002 92405 100 021 94709 056 017 96097 256 002 92407 403 008 94710 054 017 96101 440 002 92408 100 021 94801 033 017 96103 440 002 92410 100 021 94803 033 017 96104 440 002 92411 107 021 94804 033 017 96105 440 002 92501 216 008 94805 033 017 96106 440 002 92503 218 008 94806 033 017 96107 440 002 92504 218 008 94850 033 017 96108 440 002 92505 218 008 94901 034 011 96109 440 002 92506 218 008 94903 034 011 96111 440 002 92507 271 008 94904 034 005 96112 440 002 92508 271 008 94920 034 005 96113 440 002 92509 218 008 94922 410 005 96114 440 002 92518 218 008 94923 035 005 96115 440 002 92530 216 008 94924 430 005 96116 440 002 92532 216 008 94925 034 005 96117 440 002 92536 421 008 94928 035 011 96118 440 002 92539 421 008 94929 430 005 96119 440 002 92543 221 020 94930 430 005 96120 440 002 92544 221 020 94931 035 011 96121 440 002 92545 221 008 94933 430 005 96122 440 002 92548 219 008 94937 430 005 96123 440 002 92549 421 008 94938 430 005 96124 440 002 92551 217 008 94939 034 005 96125 440 002 92553 217 008 94940 430 005 96126 440 002 92555 217 021 94941 034 005 96128 440 002 92557 217 008 94945 034 011 96130 440 002 92561 429 008 94946 430 005 96132 440 002 92562 221 008 94947 034 005 96133 440 002 92563 221 008 94949 034 011 96134 440 002 92567 432 008 94951 035 011 96135 440 002 92570 216 008 94952 035 005 96136 440 002 92571 216 008 94954 035 011 96137 440 002 92582 220 020 94956 430 005 96140 440 002 92583 220 020 94957 034 005 96141 440 002 92584 221 008 94960 034 005 96142 440 002 92585 216 008 94963 430 005 96143 440 002 92586 221 008 94964 034 002 96145 440 002 92587 219 008 94965 034 005 96146 440 002 92590 221 008 94970 430 005 96148 440 002 92591 221 008 94971 430 005 96150 440 002 Kemper Independence Insurance Company, California 52

Zip Zip Zip 92592 221 008 94972 035 005 96161 440 002 92595 219 008 94973 430 005 96162 440 002 92596 221 008 94974 034 002 92602 130 012 94999 035 002 92603 130 002 95002 037 017 92604 130 012 95003 383 014 The s shown in the links are to be used as stated. Any changes to the listed territory must be approved by underwriting prior to binding. Policy territory codes are subject to periodic review. 53 Kemper Independence Insurance Company, California

ENDORSEMENT INDEX Form Endorsement ADRES Additional Residence AK 4001 Special Provisions Endorsement - Plus HO 0412 Increased Limits of Business erty VS 2316 Special Computer Coverage HO 0416 Premises Alarm or Fire Protection System VS 2233 Loss Assessment Coverage HO 0440 Structures Rented to Others- Residence Premises HO 0442 Permitted Incidental Occupancies Residence Premises HO 0448 Other Structures HO 0450 Increased Limits on Personal erty in Other Residences HO 0451 Building Additions and Alterations- Increased Limits HO 0453 Credit Card, Fund Transfer Card, Forgery and Counterfeit Money HO 0461 Scheduled Personal erty HO 0465 Coverage C Increased Special Limits of Liability HO 0466 Coverage C Increased Special Limits of Liability: HO-3 VS 2236 Ordinance or Law Coverage VS 1233 Ordinance or Law Coverage HO 0480 Rental to Others - Theft Coverage HO 0487 Identity Fraud Expense Coverage HO 0491 Coverage B - Off Premises HO 0492 Specific Structures Away From Residence Premises HO 0498 Refrigerated erty Coverage HO 1732 Unit-Owners Coverage A- Special Coverage HO 1733 Unit-Owners Rental to Others HO 2334 Additional Coverage HO 2443 Permitted Incidental Occupancies- Other Residence HO 2470 Additional Residence Rented to Others HO 2471 Business Pursuits Liability HO 2472 Incidental Farming Personal Liability HO 2482 Personal Injury HO 2490 Workers Compensation for Residence Employees IJF 1011 Jewelry Broad Pair and Set Coverage IJF 1012 Jewelry in Vaults Endorsement ISC 1311 Stamp & Coin Collection Safe Credit Endorsement VK 935 Scheduled Personal Electronic Equipment VK 1012 Residence Safety Package VK 1035 Agreed Amount Insurance VK 1044 Unit-Owners Building Items VK 1046 Unscheduled Jewelry, Watches and Furs Increased Limits of Liability VK 1116 Existing Insurance VS 2317 Special Homeowners Endorsement VS 1130 Coverage Extension for Golf Carts VS 1146 Additional Insured VS 1161 Coverage B - Off Premises Plus, Classic, Ultimate VS 2271 Water Backup and Sump Overflow Coverage VS 2339 Special Personal erty Coverage - Plus VS 2340 Special Personal erty Coverage- HO 00 03 VS 2341 Special Personal erty Coverage - HO 00 06 VS 2313 - Monoline VS 1375 Extended Replacement Cost Coverage - HO 00 03 Kemper Independence Insurance Company, California 54

Form VS 1376 VS 1969 VS 2305 VS 2308 VS 2306 VS 1479 VS 2343 VS 1837 VS 1987 VS 1988 VS 1989 VS 2307 VS 2309 Endorsement Extended Dwelling Replacement Cost Coverage Plus, Classic - Package Monoline Plus Package Classic Monoline Classic Special Provisions Endorsement- HO Blanket Valuable Items Highly Protected erty Endorsement Limited Mold, Fungi and Other Microbes Limited Mold, Fungi, and Other Microbes Limited Mold, Fungi, and Other Microbes Ultimate Monoline Ultimate Package 55 Kemper Independence Insurance Company, California